Official reference data

Singapore HPS & Mortgage Coverage Rules

Name: Singapore HPS & Mortgage Coverage Rules
Creator: Interest.sg

A release-controlled reference for the Interest.sg HPS & Mortgage Coverage Gap Calculator. It maps official CPF information to transparent calculator treatment without estimating premiums, eligibility, exemptions or claims.

Current — verified

Source date: 2026-08-03 · Last successful check: 3 Sept 2026

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Home Protection Scheme scope

Home Protection Scheme scope
Item	CPF Board information	Calculator treatment
Main scope	CPF members who own an HDB flat and use CPF savings or cash for monthly housing instalments	HPS is modelled only when the user selects HDB and confirms active cover
Private property	HPS does not cover private property, executive condominiums or privatised HUDC flats	HPS is excluded; only explicitly selected private mortgage cover is modelled
Coverage end	Cover ends at age 65 or when the housing loan is paid, whichever is earlier	Projected HPS cover becomes zero at age 65 or loan payoff
Claim events	Death, terminal illness or total permanent disability, subject to scheme terms	The result is a financial scenario and does not predict eligibility or a claim decision

HPS share and household checks

HPS share and household checks
Check	CPF Board information	Calculator treatment
Individual share	An owner's share should at least match that owner's share of the monthly instalment	Flags when confirmed active HPS share is below entered payment responsibility
Household total	The owners' total HPS share should add to at least 100%; each owner may choose up to 100%	Shows a household warning when confirmed active HPS shares total below 100%
Payment responsibility	The actual loan and ownership arrangement controls	Requires the entered owners' responsibility shares to total 100% for a clean scenario

What an HPS payout addresses

What an HPS payout addresses
Item	Treatment
Outstanding housing loan	CPF Board states that a claim payout goes directly to HDB or the mortgagee, up to the insured sum
Current sum assured	Optional user-confirmed certificate amount caps the planning projection; the certificate and mortgagee record prevail
Co-owner scenario	Each result models one selected owner's claim scenario and does not add all owners' cover as if claims occur together

When to check or adjust cover

When to check or adjust cover
Trigger	Official next step
Loan amount or repayment period changes	Review or adjust HPS cover with CPF Board
Partial capital repayment	Review the insured sum and remaining loan
Ownership or instalment share changes	Review each owner's HPS share
Need a premium estimate	Use the official CPF HPS Premium Calculator

Interest.sg tool boundary

Interest.sg tool boundary
Included	Not included
Mortgage amortisation and user-confirmed cover over time	Premiums, eligibility, exemption decisions, claim prediction, product comparison or replacement advice

HPS & Mortgage Coverage Gap Calculator How HPS works in Singapore How much HPS cover do I need? HPS coverage after age 65

Official sources

CPF Board — Home Protection SchemeCentral Provident Fund Board · verified 2026-09-03
CPF Board — Apply for or Adjust HPS CoverCentral Provident Fund Board · verified 2026-09-03
CPF Board — HPS Premium CalculatorCentral Provident Fund Board · verified 2026-09-03

Official data can change. Open the sources above to confirm the latest rules before acting; Interest.sg never estimates missing official values.

Suggested citation: Interest.sg, “Singapore HPS & Mortgage Coverage Rules”, source date 2026-08-03, last successful check 3 Sept 2026.